Poor pay but overall a decent place to work
Pros
TDAF has a good culture and is a growing company in the US. The lower management is generally good and understanding. A beginning representative will get 8 hours of paid time off every two weeks, equalling 26 days a year. These days off are in the same category so any holiday, sick day, or vacation day will be paid time off and come from the 26 that are accrued annualy.
Cons
The pay is pretty poor. A customer service representative or beginning collections representative will make about 13.50/hr. TDAF hires about 20 people at a time through a temp agency, so a lot of incompetent people end up going through training and getting the job. Typically an employee has to work about 6 months before being hired on as a TDAF employee, and after the sign-on date an employee has to wait exactly 6 months before being eligible for a promotion. When you do get a promotion, expect to get a raise of only about a dollar per hour. Upper management is not at all connected with people who take calls on a daily basis. A regular representative will be able to talk to a supervisor and department manager, but anyone higher than that rarely interacts with someone who actually takes calls from or makes calls to customers. Opportunities to move up to the supervisor level are fairly sparse. Everyone who has been promoted is secretive about their salaries so it is very difficult to assess whether or not you want to make a career at TDAF.
